Nagaland CMHIS Health Insurance: ₹5 Lakh General Cover, Cards & Portals

1. CMHIS (General Category - GC)

• Targets all indigenous inhabitants and permanent residents of Nagaland who are not covered under national Ayushman Bharat PM-JAY or regular government service.
• Each enrolled household receives ₹5,00,000 in annual cashless hospital coverage on a family-floater basis.
• The state government funds 100% of the insurance premium, ensuring zero recurring contribution fees for vulnerable citizens.

2. CMHIS (Employee & Pensioner - EP)

• Targets active state government employees, regular judicial officers, and retired state pensioners.
• Provides comprehensive cashless hospital coverage up to ₹20,00,000 per family per year.
• Replaces legacy, tedious post-treatment medical reimbursement paperwork with instant, transparent cashless authorizations at accredited hospitals nationwide.

For the General Category (CMHIS-GC)

• The applicant must be an Indigenous Inhabitant of Nagaland possessing an official Indigenous Inhabitant Certificate (IIC), or a permanent resident holding a Permanent Resident Certificate (PRC) issued before the notified cutoff year.
• The family must not be active beneficiaries of central Ayushman Bharat PM-JAY (families with PM-JAY already receive the ₹5 Lakh national cover).
• The household must not belong to the state regular government employee or pensioner payroll.

For the Employee Category (CMHIS-EP)

• State government employees must maintain an active Personal Information Management System (PIMS) identification code.
• Retired pensioners must possess an official Pension Payment Order (PPO) issued by the Accountant General of Nagaland.

• Aadhaar Card of every dependent household member.
• Indigenous Inhabitant Certificate (IIC) or Permanent Resident Certificate (PRC) issued by the competent Deputy Commissioner.
• Ration Card issued by the Food and Civil Supplies Department, or verified Village Council Family Certificate.
• For Employees: Official Service Identity Card and PIMS code printout.
• For Pensioners: Pension Payment Order (PPO) booklet showing pensioner details.
• Active Mobile Number linked with the applicant's Aadhaar profile.

1. Open your web browser and navigate to the official portal at cmhis.nagaland.gov.in.
2. Select Citizen Registration from the main landing menu.
3. Choose your category: CMHIS General (GC) or CMHIS Employee & Pensioner (EP).
4. For General Category, input your Indigenous Inhabitant Certificate number or Ration Card number.
5. For Employees, enter your unique PIMS code to auto-fetch official service records.
6. Validate your mobile number using the One-Time Password sent to your phone.
7. Enter demographic details for your spouse, children, and dependent parents.
8. Upload scanned copies of the required certificates and identity cards (under 2 MB in PDF or JPEG format).
9. Review all declared family information and click Final Submit.
10. Once the District Verification Committee validates your records, download your printed digital CMHIS Card featuring individual ABHA identification numbers.

1. Visit any empanelled public or private healthcare institution and report to the dedicated CMHIS Help Desk at the reception lobby.
2. Present your CMHIS Card or registered Aadhaar card to the Arogya Mitra.
3. The Arogya Mitra validates your family profile on the national health portal and registers the electronic patient admission.
4. The treating specialist submits an online pre-authorization request specifying the required clinical package, such as general surgery, orthopedic trauma repair, or pediatric care.
5. After electronic clearance by the Nagaland Health Protection Society, all medical expenses, diagnostics, surgical theater charges, and room tariffs are billed directly to the state pool.
6. The patient is discharged without out-of-pocket payment obligations, receiving discharge summaries and five days of prescribed post-hospitalization oral medications.

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